Signet Bank AS Antonijas street 3, Riga, LV 1010, Latvia
Visitors are only served by appointment. Please schedule your bank visit with your banker or book an appointment at least one day in advance. Phone: +371 67 080 000
Email: [email protected]
Monday to Friday 9.00 a.m. – 17.30 p.m
AS DelfinGroup (the Group), established in 2009, has grown to become Latvia’s leading financial services provider, operating the largest pawn shop network in the country under the Banknote and VIZIA brands, with 85 branches across Latvia.
The company’s core services are consumer loans, pawn broking loans (loans against pledge of movable property) and sale of pre-owned goods.
The Group employs over 370 people, led by a highly-experienced management team.
DelfinGroup has issued 15 bonds to date, with a total value exceeding EUR 125 million. The Issuer’s bonds have been listed on the Nasdaq Riga stock exchange since 2014.The company’s investor base includes both individual and institutional investors from Baltics and other countries.
Since October 2021, DelfinGroup shares are listed on Nasdaq Riga regulated market with a free float of c. 26% and current market capitalization of EUR 64.8 million (as at 5 May 2026).
Reports: https://delfingroup.lv/reports
Additional information: https://signetbank.com/wp-content/uploads/2026/05/DelfinGroup-teaser-EN.pdf
AS DelfinGroup
Non-bank financing
Private placement
Unsecured bonds
EUR 35 000 000
9.5%
Monthly
100.00%
25 May 2029 (bullet)
-No call until 25.11.2026 -@101% between 25.11.2026 and 24.05.2027 -@100% from 25.05.2027 Callable only at coupon payment date (full redemption only)
@101% Change of Control
EUR 1 000
EUR 100 000
-Capitalization ratio at least 20% -ICR at least 1.5x -Net Loan Portfolio / Unsecured Debt at least 1.2x
-Refinancing of existing bonds -Business development
Planned listing on Nasdaq First North within 12 months from issue date
Signet Bank AS
1.0% rollover premium for exchanging their existing bonds for new bonds (1:1) exchange
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